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Low rates with none of the stress

It takes just minutes to get a new mortgage, refinance, or renew without having to leave the comfort of your home.

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Transforming the way Canadians shop for homes.

Low rate, less interest? Makes cents.

We get it, other than approval, your mortgage rate is one of the most important things to you. That’s why we work hard to find you the best rate across multiple lenders, so you can pocket the difference.

Save thousands without breaking a sweat

We crunched the numbers and here’s how much you’d save in just a few clicks with a Neo Mortgage compared to a traditional bank.

Lifetime of mortgage

End of 5-year term

$355,000 Mortgage Balance (High ratio insured)³



$570,000 Mortgage Balance (High ratio insured)



Getting a mortgage has never been easier.

Looking to renew or refinance? We do that too.


Start shopping early to find your best rate.

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Lower your cost of borrowing.

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Our Lending Partners


Can't wait? Looking to purchase a new home, refinance, or renew now?

Simply fill out the form below and our expert mortgage associates will contact you within 1 business day to make the experience seamless.

So much more than Neo Mortgage

Get more from your money with simple and innovative products designed for life today.

Neo Card

Get cashback on your everyday spending

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Neo Money

Save, spend, and earn high interest

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Neo Invest

Grow wealth and plan for life's major goals

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Got questions? We can answer them.

¹ 5-year variable rate is up to date as of June 14, 2022. This rate is applicable for high ratio mortgages and subject to lender approval. Rates subject to change without notice.

² Based on the median mortgage rates of Canada’s Big 5 banks taken from public websites as at June 14, 2022.

³ How we calculated this: The average size of a mortgage in Canada in 2021 is $355,000 according to Equifax. The variable rates shown are for high ratio insured mortgages (less than 20% down payment). Assumed a 10% down payment.

⁴ Digital closing is currently only available in Ontario, Alberta, and British Columbia.

OneVest Management Inc. is a registered Portfolio Manager in each province and territory of Canada and an Investment Fund Manager in the provinces of Alberta, Newfoundland and Labrador, Ontario, and Quebec. Assets in your OneVest accounts are held with CI Investment Services (CIIS), a registered investment dealer in each province and territory of Canada, a member of the Investment Industry Regulatory Organization of Canada (IIROC). OneVest is a wholly-owned subsidiary of One Wealth Technologies. Copyright @ 2021, One Wealth Technologies Inc. All rights reserved.

Neo Invest is not available in French or in Quebec.

Neo Mortgage Services Inc. is currently licensed in Alberta, Ontario (#13444), British Columbia (MB600606), Saskatchewan (510903), Newfoundland and Labrador (22-07-NE115-1), New Brunswick (220015509) and Nova Scotia (2021-3000379), with all applications pending across Canada.